Client Exclusive: How We Helped Brandon N. Recover From Debt When a Mortgage Denial Became a Reality Check
The debt piled on until I couldn’t pay it down any longer. There were constant nagging calls from debt collectors that just didn’t understand my situation.
Debt Amount: $32,532
Started: May 2025
Savings: $776 a month!*
Meet Brandon: A Hardworking Provider Facing Hard Choices
As an inventory control specialist and devoted family man from North Carolina, Brandon prided himself on doing everything he could to keep things afloat. But like so many others, the chaos of COVID and its aftermath created impossible decisions — none of them easy.
When his wife had to change jobs, it meant a major reduction in household income. “I had to make choices between affording living expenses or paying certain bills,” Brandon said. The mounting financial pressure eventually led to his car being repossessed. “I spent every day constantly stressing about how to provide for my family.”
How Brandon Got Into Debt
For Brandon, it started gradually, just a few small credit cards here and there. Then it moved into loans and retail financing.
What began as manageable spending turned into a relentless cycle of monthly payments, compounding interest, and growing anxiety. Debt collectors added to the stress, with nonstop phone calls and little regard for his reality.
Brandon’s Turning Point: A Mortgage Denial
The wake-up call came when Brandon and his wife tried to apply for a mortgage and were denied.
The [mortgage] process stopped immediately due to my debt and ruined credit score. I knew it was time to do something different.
For Brandon, that moment wasn’t just disappointing — it was motivating. He was ready to make a big change, not just for himself, but for his family’s future.
Finding Relief With Beyond Finance
Brandon first discovered Beyond Finance through a company called Pennie. He didn’t qualify for any of their solutions but was referred to us. “Beyond came to the rescue — and it just made sense,” he said.
After speaking with someone, I knew there was hope and light at the end of the tunnel. I had found a way out. They’ve been amazing and so helpful with all of my questions. They’ve worked with me through every situation I needed help with.
From the first phone call onward, Brandon noticed how much support he was given. Now in the program, he says the Beyond team has been consistently supportive.
Brandon is Grateful for Breathing Room and Personalized Savings
Since beginning, Brandon has been saving $776.20 each month, which has helped him afford essentials. More than just money, the program gave him back a sense of control and calm. Instead of juggling bills and dodging calls, he has a clear plan and the peace of mind that comes with it.
Advice for Others: “Take a Leap of Faith”
Brandon knows how hard it can be to admit you need help. But his message to others is simple and encouraging: “Take a leap of faith and try it. Beyond will work.”
He’s living proof that change is possible—even when the situation feels overwhelming.
A New Chapter Just Ahead
Looking ahead, Brandon is filled with hope. The journey hasn’t been easy, but it’s one that’s brought Brandon and his family closer to the life they’ve been working toward.
I’m looking forward to graduating the program and being debt free as much as possible. I’m excited for the relief and peace that it will bring.
*A quick note about Brandon’s story: He’s a real client who was compensated for taking the time to share his experience with us. Brandon saved 62% on his eligible monthly payments and his savings were calculated by subtracting his program payment from his self-reported payments or tradeline minimums on eligible accounts.